Maximizing collections & profitability across different debt portfolios and tranches at scale is complex. Retain by TrueML Products is white-label debt collection software built for debt buyers that automates digital communications to cost-effectively reach more accounts and boost revenue potential by finding the most collectable accounts.
Our digital platform leverages patented machine learning to improve account engagement and collection rates helping to improve profitability. Retain software provides debt buyers an effective way to implement or scale internal debt collection, harnessing proven consumer-preferred digital channels for improved collection outcomes.


Retain offers a platform for debt buyers to improve collection performance and lower costs by curing more accounts internally. Grow revenue from existing portfolios and scale to any volume with industry-leading digital delivery performance. Our software for debt buyers provides:
Yes, for years, TrueML Products has set the standard for compliance in digital communications. Compliance controls based on debt collection standards and best practices are built into the foundation of Retain to proactively address and meet the strict requirements of compliance departments. For more information on Retain’s compliance controls, schedule a free consultation with our team.
Roughly 59.5% of consumers prefer email as their first choice for communication, so traditional debt collection strategies like phone calls and sending physical mail don’t perform as well as digital communications.
With email alone, Retain has a delivery rate of 95.3%, a 2.41% click through rate and a 32.8% open rate. This performance is significantly higher than physical mail and yields better engagement than phone call strategies. Retain’s performance metrics for email and SMS both outperform the industry average.